In the new "Administrative Measures", the issuing object, certificate content, validity period, replacement procedures, regulatory measures, annual inspection, cancellation, announcement, management and other specific requirements are defined.
Conditions for handling a small loan license:
1. The qualification of the main sponsor company meets the relevant requirements;
2. The registered capital is required to be not less than 300 million yuan for limited liability companies and not less than 400 million yuan for joint stock limited companies;
3. Have an actual office address;
4. There are more than three senior managers, and they have industry experience in microfinance business or financial work;
5. There should be feasible and distinctive projects to support the development of microfinance enterprises.
Regarding the conditions for applying for a small loan license, the key lies in the strength of the enterprise, and it is necessary to evaluate the sponsor's capital contribution ability. Whether there are illegal disputes and risk control capabilities. Judge whether the application meets the conditions for handling the small loan license.
Small loan companies that have obtained small loan licenses should conduct business in accordance with laws and regulations, which is conducive to maintaining the reputation of the small loan industry and creating a good development environment for small loan companies.
It is worth noting that at present, Shenzhen microfinance license has been opened for application, and the annual opening time is May-August. Enterprises that meet the conditions for handling small loan licenses may apply for small loan licenses according to relevant requirements.
In today's booming consumer market, more and more young people advocate the concept of instant consumption, and Internet microfinance is also booming on this basis. More venture capitalists have seen investment opportunities in the microfinance industry. However, with the increase in the number of microfinance licenses in recent years, the local financial supervision bureaus have become more and more strict in approving the issuance of microfinance licenses.
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